31 Ryding Ln, Palm Coast, FL 32164 Property Records

Flagler County property record for 31 Ryding Ln, Palm Coast, FL 32164

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,870 sqft · built 2006
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$222,700 (Aug 2006)
Tax Bill	$2,280 (2025)
Deeds & Mortgages	May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7029-00330-0110`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7029-00330-0110`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,870 sqft Heated Area
Gross Area	2,821 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2013
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Driveway	Driveway
Driveway Area	504 sqft
Pool Area	392 sqft
Deck Area	469 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Street Address	31 RYDING LN
City	PALM COAST
State	FL
Zip	32164-6012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SECTION 29 BLOCK 00033 LOT 0011 SUBDIVISION OR 245 PG 171 OR 894 PG 1281 OR 1205 PG 631 OR 1240 PG 659 OR 1466 PG
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	33
Legal Lot Number	11
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	3
Census Block	3014
Census Tract	60214

Owner

Source: Flagler County records, as of December 22, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	31 RYDING LN, PALM COAST, FL 32164-6012
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2006 · Amount on Record
Deed Sale	Aug 3, 2006 · Amount on Record
Prior Sale	May 3, 2005 · Amount on Record
Deed Document Number	2006038957
Deed Book / Page	1466 / 1843
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FLAGLER FL
Property Address	31 RYDING LN, PALM COAST, FL 32164-6012
Transaction Type	Mortgage
Record Updated	May 31, 2021
Title Company	BOSTON NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 RYDING LN, PALM COAST, FL 32164-6012

Mortgage

Document Number	0025631263
Date	May 17, 2021
Book Page	2563/1263
Instrument	2021027296

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

Tax Assessment & Valuation

Source: Flagler County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Flagler County
Municipality	Palm Coast City
Unified School District	Flagler County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,280.00 (+5.75%) Homeowner's exemption	$168,650 (+5.99%)	$321,778 (-0.67%) Land $55,000 Building $266,778
2023	$2,156.00 (+1.41%) Homeowner's exemption	$159,123 (+3%)	$323,957 (+4.92%) Land $43,000 Building $280,957
2022	$2,126.00 Homeowner's exemption	$154,488	$308,762 Land $44,500 Building $264,262

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 5, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 62 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	62 in force
Nearby Flood Claims	1 (2009)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2009 · Severe Storms, Flooding, Tornadoes, And Straight-line Winds

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF PALM COAST UTILITY private · serves 112,324 people · EPA ID FL2180863
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 292 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20